Dodge Journey Insurance Rates

The average auto insurance rates for a Dodge Journey are $1,284 annually with full coverage. Comprehensive insurance costs an estimated $250, collision costs $424, and liability insurance costs around $452. A liability-only policy costs as low as $504 a year, with high-risk insurance costing $2,778 or more. Teens cost the most to insure at $4,918 a year or more.

Average premium for full coverage: $1,284

Policy rates broken down by type of insurance:

Prices are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Journey trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. More rural locations are shown to have fewer collision claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below details estimated Dodge Journey insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $748
• Using higher $1,000 deductibles will save approximately $152 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,284
• Selecting more expensive low deductibles for physical damage coverage costs an additional $296 a year
• Drivers with serious driving violations could pay up to $2,778 or more
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $4,918 or more

View Chart as Image

Car insurance rates for a Dodge Journey also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged at least $4,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can be anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $450 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Dodge Journey insurance rates. A driver around age 40 might see rates as low as $930 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,730 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates from as many companies as possible. Each insurance company calculates rates differently, so rate quotes will be varied between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy Affordable Dodge Journey Insurance

Finding cheaper rates on Dodge Journey insurance requires being a low-risk driver, having a good credit score, not filing small claims, and not having any coverage lapses. Take the time to compare rates at least once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a brief review of the primary concepts that were covered in the above illustrations.

• You may be able to save approximately $150 per year simply by shopping early and online
• High-risk drivers with DUI or reckless driving convictions pay on average $1,490 more annually to insure their Journey
• Increasing comprehensive and collision deductibles could save up to $450 each year
• Teen drivers have the highest car insurance rates, as much as $410 each month if comprehensive and collision insurance is included